Side-by-side · honest numbers
IDFC FIRST Millennia Credit Card vs OneCard Metal Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of IDFC FIRST Millennia Credit Card, OneCard Metal Credit Card, SBI SimplySAVE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,970/yr | ₹1,632/yr | ₹1,650/yr |
| Online shopping | — | ₹8,000 × 1% = ₹80/mo (₹960/yr) | — |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | ₹3,500 × 1% = ₹35/mo (₹420/yr) | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | — | — |
| Top reward rate | 10X from first txn | 1% (5X) | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) | None | None |
| UPI rewards | Earns: UPI 1X on txns ≤₹2,000 and 3X above ₹2,000 — modeled at 1X; 10X dining/travel, 3X other · cap Points credited per IDFC FIRST reward terms | Earns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
IDFC FIRST Millennia Credit Card details →OneCard Metal Credit Card details →SBI SimplySAVE details →
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https://cardhungry.com/in/en/compare/idfc-first-millennia-vs-onecard-vs-sbi-simplysaveReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST Millennia Credit Card ranks first for estimated net annual value — ahead of SBI SimplySAVE by about ₹320/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | IDFC FIRST Millennia Credit Card IDFC FIRST Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,970/yr | ₹1,632/yr | ₹1,650/yr |
| Online shopping | — | ₹8,000 × 1% = ₹80/mo (₹960/yr) | — |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) | ₹3,500 × 1% = ₹35/mo (₹420/yr) | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Travel | ₹3,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | ₹3,500 → 23 pts/mo × ₹0.25/pt = ₹5.83/mo (₹70/yr) | — | — |
| Top reward rate | 10X from first txn | 1% (5X) | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 complimentary railway lounge visits per quarter · Railway lounge gated on ₹20,000 spend in the previous calendar month (from Feb 2025) | None | None |
| UPI rewards | Earns: UPI 1X on txns ≤₹2,000 and 3X above ₹2,000 — modeled at 1X; 10X dining/travel, 3X other · cap Points credited per IDFC FIRST reward terms | Earns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IDFC FIRST Millennia Credit Card leads with an estimated ₹1,970/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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